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Handyman Insurance Pennsylvania

Handyman Insurance Pennsylvania. At some point in time, everyone needs the services of a handyman, and your PA handyman business likely fills a need in your neighborhood and community. But are you protecting yourself, your assets, and your business against potential litigation and loss?

If not, then you need a business insurance review with a seasoned agent to determine your business’ areas of weakness and correct them with policies designed for your individual business’ needs. Handymen do a wide range of work and you to be sure your policy covers you for what you are doing.

Handyman insurance Pennsylvania protects your business from lawsuits with rates as low as $37/mo. Get a fast quote and your certificate of insurance now.

If you work as a carpenter, plumber, home maintenance helper, electric installer, flooring professional, or contractor, then you likely need handyman insurance Pennyslvania that’s tailored to the risks that you face in your line of work. Packaged coverage that protects you from particular perils is important, since it can make a difference between personal and business financial ruin and staying afloat with a business model that works.

As a handyman, you and your business face many common risks each day. The type of services you offer largely dictate the risks you face, but some are common, including:

Loss due to personal injury or property damage claims that are caused by you or others working for you during the course of business.

Damage, loss, or theft of equipment and tools during the course of business. This can be on the job site, at your place of business, or while in transit to a job.

Claims arising from damage caused by you or an employee when traveling in a company or personal vehicle. This includes damage to your vehicle, injury to employees, and damage or injury to third parties.

How Does Handyman Insurance Help?

Handyman insurance Pennsylvania is a generic term that is used to describe the suite of insurance products that a handyman might consider during the course of his business to protect his assets and guard himself from personal liability. Perhaps the most important of these is a general business owner policy, or BOP policy. This coverage is ideal for those businesses with fewer than 100 workers and revenues of less than $5 million annually. BOP policies cover business property damage, personal property damage, loss of income due to covered stoppages of work, general liability to property, and general bodily injury to employees and others.

Besides a BOP policy that provides the general coverages, your business may need additional addendums or policy riders to cover your business activities. Sometimes these policies are also purchased as standalone coverage alongside a general liability or BOP policy. For example, inland marine covers will cover rented or owned tools and equipment as your workers move from one job to another, while theft insurance protects equipment, vehicles, and tools. PA agents who look over your particular business model are better able to deduce what types of handyman insurance Pennsylvania policies your business should buy.

Why Not Carry Just General Liability Insurance?

It is possible for some handyman businesses to cover their businesses fully with just a general liability insurance policy. For handymen who have no office buildings to protect, no operating expenses and no payroll, PA general liability insurance may be sufficient. This type of policy covers damage and bodily injury caused by you or others working on your behalf when you perform work.

One of the biggest concerns for repairmen, handymen, contractors, painters, and others who provide in-home services is liability. These workers use power tools, hand tools, electric saws and other types of equipment that can cause injury to both the property in which they work and the people around them. Having the right level of handyman insurance Pennsylvania protection in place makes good business sense.

What About Worker’s Compensation?

PA requires that businesses carry worker’s compensation insurance for all non-owner employees. Check with your insurance agent to make sure that you stay compliant with any laws governing the purchase of worker’s compensation insurance, which protects you and any employees from damages resulting from work-related accidents and injuries.

What About Commercial Auto Insurance?

You no doubt use a vehicle in your line of business as a handyman, so protecting that vehicle with PA commercial auto insurance is important. Personal auto policies do not usually cover accidents that occur in the course of doing business in a personal vehicle. Check with your agent to make sure that your commercial insurance is up to par and that it protects you as you drive from job site to job site.

Most commercial vehicle insurance policies cover bodily injury and property damage liability. If you purchase collision and comprehensive coverage, then your vehicle is protected regardless of whose "fault" the accident is. Some policies also cover theft and damage to the vehicle from vandalism, acts of nature, and related occurrences.